Published on October 17, 2026

It’s Later Than You Think πŸŽƒπŸ‚

Hey there …Β  we hope this blog finds you well, flying high πŸͺ‚, with your Medicare insurance working like a parachute.

We just finished week one of the Annual Election Period πŸ—³οΈ. It was so much fun speaking with so many longtime clients! 😊

If you’d like us to review your coverage for 2027, please start by emailing Gray at Gray@TheBig65.com. He’ll get the process started. The Part D drug plans no longer work with brokers πŸ™„, so we can’t sign you up. But if you’re patient, we promise to make recommendations and show you how to do it. πŸ‘

If your Medicare Advantage Plan is going away😀 😞 😒, go ahead and book a time on my calendar. We promise to make sure all clients get the help they need. 🀝

I was cleaning up some files and ran across this video from a couple of years back πŸŽ₯. Click on this link or the picture to see my mad flying skills! πŸ¦…πŸ˜Ž

Karl wearing a blue helmet.

Autumn came quickly to Colorado πŸ‚. We had a beautiful Indian summer, and then overnight it dropped 30 degrees πŸ₯Ά. Fortunately, we’d already blown out the sprinklers. πŸ’¦

October is easily our favorite month: amazing weather, the changing of the seasons, and best of all, Halloween! πŸŽƒπŸ‘»πŸ¦‡

Plato sitting in a yard near Halloween decorations.

Plato loves October too 🐢. He’s getting older (almost 12), so the cooler temps make walking easier. Plus, he loves the Halloween attention. 🧑

Plato at the dog park with other dogs.

Every time we walk or bike in the hills πŸš΄β€β™‚οΈβ›°οΈ, I drop a stone on the cairn πŸͺ¨.Β  It’s one of those rituals that reminds me how vast the world is and how little time we truly have.

A large cairn in the middle of a field.

Our daughter Sus came down for the weekend πŸ₯°. Of course I had to carve one pumpkin πŸŽƒπŸ”ͺ, and my wife Q had to roast the seeds 🌰 so the traditions don’t go away.

Plato and Sus sitting in the back yard.

Catching up with so many clients reminds me, again and again, how easy it is to take the little things for granted and how quickly life can change. πŸ’­

So this weekend, spend time with the people you love ❀️. Call an old friend πŸ“ž. Pull out the art supplies and paint (that means you, Steve! πŸŽ¨πŸ˜‰). Carve a pumpkin. πŸŽƒ

Or, as my aunt always sang to me, here’s this Doris Day song: Enjoy Yourself (It’s Later Than You Think)!

Karl and Plato relaxing in front of the fire pit.

Keep squeezing the juice out of life! πŸŠπŸ‹

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on, and please send pictures! πŸ™‚

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
Happy with my Service? Click Here to Leave a Review.


Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in over thirty states from around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Mississippi
Missouri
Montana
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65Β Medicare Insurance ServicesΒ does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Karl Bruns-Kyler of The Big 65 Medicare Insurance Services.

Not Sure Which Medicare Plan Is Right for You?

Medicare is complicated, but you do not have to figure it out alone. With over 20 years of experience, Karl Bruns-Kyler can help you compare plans, avoid costly mistakes, and find the coverage that fits your needs and budget.

Call (877) 850-0211

Or schedule a free consultation at a time that works for you.

Schedule a Free Consultation

There is never a charge for my services. Your premium is the same whether you work with me or go direct.

Disclaimer: We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

About the Author

Karl Bruns-Kyler is a licensed independent Medicare insurance broker with over 20 years of experience helping clients make confident, informed healthcare decisions. Based in Highlands Ranch, Colorado, Karl works with Medicare recipients across more than 30 states, offering personalized guidance to help them avoid costly mistakes, find the right coverage, and maximize their benefits. Connect on LinkedIn